If your car was totaled and you would need the insurance money for the downpayment on a new vehicle, then you should keep full coverage insurance.

You can either contact your carrier directly, the claim specialist at ICI or the account manager.

No. Many people are surprised to find that their Homeowners, Mobile Home, Condo Unit or Renters policy doesn’t cover earthquake damage. For earthquake coverage, you need a separate earthquake insurance policy in addition to your regular policy.

Some of the factors that influence your premium include:

• Age or driving experience
• How your vehicle is used
• Driving history
• Claims history
• Make and model of your vehicle
• Geographic location
• Credit history

Some of the factors that influence your premium include:

• Location of risk
• Construction
• Age of insured
• Age of home
• Credit history

You must carry the minimum car insurance coverage limits required by law, which varies by state. After you have met the minimum legal requirements, you can choose to increase your coverage limits for greater reimbursement potential. For additional protection, you can also choose to add additional car insurance coverage, such as Comprehensive and Collision, Towing and Labor, and more.

Generally, comprehensive insurance coverage will pay for non-accident-related vehicle damages. Comprehensive coverage will usually pay for costs from:

• Weather damage
• Fire damage
• Animal collisions
• Vandalism
• Theft

The answer depends on who is at fault and what coverage you have.

• If you are not at fault, the other party’s liability coverage is responsible for helping pay your medical bills after an accident UNLESS you live in a no-fault state.
• If you are at fault, but you live in a no-fault state, your personal injury protection coverage will help cover your medical bills.
• If you’re hit by a driver with no insurance or insufficient limits, Uninsured/Underinsured Motorist coverage can step in.
• Medical payments coverage can also be used to help pay your medical bills after an accident, regardless of fault.

Typically, you’ll only be covered for the cost of a rental if you’ve purchased Rental Reimbursement coverage. It may be required that you have Comprehensive and Collision insurance coverage in order to purchase this type of coverage.

If you hit one of your own cars while driving another of your cars, Liability insurance will not cover you; it only covers damages to any party in an accident you cause. However, Collision coverage will pay for those damages to your vehicle if you’ve elected to purchase it.

Generally, yes. However, in most cases your friend’s insurance would be the primary coverage, meaning you’d only access your own coverage in the event that the limits of his policy were met.

Any licensed drivers in your household are generally covered to drive your car, as well as anyone else who has permission to use your vehicle. 

Corporate officers are automatically included and may elect out of coverage if they own more than 10 percent of the company stock. LLC members, partners and sole proprietors are automatically excluded but may elect to be covered.

The limit/value reflects what it would cost to rebuild the building at today’s construction prices. Often, you can purchase a building for less than what it costs to rebuild it.

Employee Benefits coverage is liability of an employer for an error or omission in the administration of an employee benefit program, such as failure to advise employees of benefit programs.